Best Cheap Auto Insurance in Homer, NY (2021)

The average Homer, NY auto insurance rates are $256 per month. The minimum auto insurance in Homer is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Homer, New York, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in Homer for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Homer is GEICO
  • The average commute length in Homer is 19.6 minutes

Homer, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Homer can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Homer, New York, including driving record, credit, commute time, and more.

Compare auto insurance in Homer to other New York cities, including Yonkers auto insurance rates, Mount Vernon auto insurance rates, and Rochester auto insurance rates to see how Homer, New York auto insurance rates stack up.

Before you buy Homer, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Homer, New York auto insurance quotes.

Minimum Auto Insurance in Homer, New York

Homer, New York auto insurance laws require that you have at least the New York minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Homer, New York.

Minimum Required Auto Insurance Coverage in Homer, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Homer, New York Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Homer, New York are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Homer, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,401 $2,271 $2,244 $2,282 $6,883 $7,386 $2,405 $2,438
GEICO $1,426 $1,374 $1,387 $1,367 $2,967 $4,318 $1,288 $1,324
Liberty Mutual $3,324 $3,324 $3,095 $3,095 $6,426 $10,422 $3,324 $3,533
Nationwide $1,983 $1,983 $1,874 $1,874 $3,454 $5,122 $1,983 $2,511
Progressive $1,505 $1,415 $1,216 $1,233 $5,037 $5,616 $1,942 $1,898
State Farm $2,136 $2,136 $1,860 $1,860 $6,277 $8,118 $2,346 $2,491
Travelers $2,258 $2,283 $2,059 $2,213 $5,193 $6,150 $2,402 $2,508
USAA $1,529 $1,503 $1,379 $1,382 $6,103 $7,296 $1,953 $2,154

Cheap Homer, New York Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Homer, New York is a challenge. Take a look at the annual teen auto insurance rates in Homer, New York.

Annual Auto Insurance Rates for Teen Drivers in Homer, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,883 $7,386
GEICO $2,967 $4,318
Liberty Mutual $6,426 $10,422
Nationwide $3,454 $5,122
Progressive $5,037 $5,616
State Farm $6,277 $8,118
Travelers $5,193 $6,150
USAA $6,103 $7,296

Cheap Homer, New York Auto Insurance for Seniors

What are senior auto insurance rates in Homer, New York? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Homer, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,244 $2,282
GEICO $1,387 $1,367
Liberty Mutual $3,095 $3,095
Nationwide $1,874 $1,874
Progressive $1,216 $1,233
State Farm $1,860 $1,860
Travelers $2,059 $2,213
USAA $1,379 $1,382

Cheap Homer, New York Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Homer, New York compared to the annual auto insurance rates with a clean record in Homer, New York.

Annual Homer, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,012 $3,012 $4,357 $3,775
GEICO $1,527 $1,664 $3,007 $1,527
Liberty Mutual $3,674 $3,674 $7,251 $3,674
Nationwide $1,996 $1,996 $4,360 $2,041
Progressive $2,416 $2,416 $2,668 $2,430
State Farm $3,244 $3,244 $3,562 $3,562
Travelers $2,687 $3,340 $3,388 $3,117
USAA $2,589 $2,631 $3,799 $2,631

Cheap Homer, New York Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Homer, New York is not easy. Compare the annual rates for DUI auto insurance in Homer, New York to find the best deal.

Annual Auto Insurance Rates After a DUI in Homer, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,357
GEICO $3,007
Liberty Mutual $7,251
Nationwide $4,360
Progressive $2,668
State Farm $3,562
Travelers $3,388
USAA $3,799

Cheap Homer, New York Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Homer, New York annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Homer, New York

Insurance Company Poor Fair Good
Allstate $5,054 $2,978 $2,585
GEICO $2,420 $1,779 $1,596
Liberty Mutual $6,379 $4,183 $3,142
Nationwide $2,598 $2,598 $2,598
Progressive $3,913 $2,037 $1,498
State Farm $4,805 $3,013 $2,391
Travelers $4,276 $2,735 $2,389
USAA $4,512 $2,242 $1,983

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Homer, New York Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Homer, New York can vary. Compare the annual cost of auto insurance by ZIP code in Homer, New York to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Homer, New York

ZIP Code Average Annual Rates
13077 $3,114

Cheap Homer, New York Auto Insurance Rates By Commute

Commute length and annual mileage affect Homer, New York auto insurance. Find the cheapest annual Homer, New York auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Homer, New York

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,491 $3,586
GEICO $1,875 $1,988
Liberty Mutual $4,440 $4,696
Nationwide $2,598 $2,598
Progressive $2,483 $2,483
State Farm $3,285 $3,521
Travelers $3,133 $3,133
USAA $2,883 $2,941

Cheap Homer, New York Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Homer, New York? Check out the comparison of annual Homer, New York auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Homer, New York

Insurance Company Low Medium High
Allstate $3,356 $3,528 $3,733
GEICO $1,838 $1,926 $2,031
Liberty Mutual $4,396 $4,554 $4,754
Nationwide $2,461 $2,579 $2,754
Progressive $2,366 $2,471 $2,611
State Farm $3,227 $3,423 $3,560
Travelers $3,001 $3,111 $3,287
USAA $2,839 $2,901 $2,997

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Homer, New York

Compare the cheapest auto insurance companies in Homer, New York in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Homer, New York

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

The Cheapest Homer, New York Auto Insurance Companies

What auto insurance companies in Homer, New York are the cheapest? Compare the top Homer, New York auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Homer, New York

Insurance Company Average Annual Rates
Allstate $3,539
GEICO $1,931
Liberty Mutual $4,568
Nationwide $2,598
Progressive $2,483
State Farm $3,403
Travelers $3,133
USAA $2,912

What affects auto insurance rates in Homer, New York?

There are a lot of reasons why auto insurance rates in Homer, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Homer, New York. Many local factors may affect your Homer auto insurance rates.

Homer Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Homer, New York commute length is 19.6 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Homer, New York Auto Insurance Quotes

Before you buy Homer, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Homer, New York auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption